There are emotions behind our money decisions. Understanding them could help us heal from money shame. Money is not just math. It’s feelings, habits, and stories.

In this episode, Dr. Khalya Hopkins shares how she paid off debt twice—first as a young single mom and later while helping her daughter through college and earning her doctorate. We discuss money shame, money dysmorphia, and how our values manifest in our spending.

You’ll hear simple, real steps to start today, like using tax refunds wisely, fighting lifestyle creep, and choosing small wins to build momentum.

You’ll learn:

What money shame looks like in daily life

How “money dysmorphia” can lead to overspending or strict scarcity

Ways to align your budget with your values

Small first steps to tackle debt (snowball or highest-interest—pick what you’ll stick with)

How honest talks with friends can lower shame and boost support

If this resonated with you, share it with a friend who needs some encouragement today.

Connect with Dr. Khalya here:

Black Women Be Knowing Podcast: https://open.spotify.com/show/7Cej3Gqj88zGWH9uAKqs4Q?si=e0cd630844674f07

Instagram: https://www.instagram.com/blackwomenbeknowing/

LinkedIn: https://www.linkedin.com/in/dr-khalya-hopkins-58b937149/

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The Dr. Sev Talks Money podcast's mission is to empower women to approach money confidently, reframe their financial habits, and build a future where their money is a tool for opportunity and security. Through Dr. Sev Talks Money YouTube channel and Podcast, I provide actionable advice and inspiration to help you achieve financial freedom. Join me for one-on-one coaching, group sessions, workshops, or speaking engagements as we journey to financial empowerment together. It’s never too late to begin again—let’s make it happen!

Here is one way you can support the Dr. Sev Talks Money podcast and YouTube channel:

https://www.buymeacoffee.com/DrSevTalksMoney

My website: www.sevtalksmoney.com

YouTube: https://www.youtube.com/c/DrSeverineBryan--SevTalksMoney

LinkedIn: https://www.linkedin.com/in/severinebryan/